1. Introduction
ImproveU LLC ("ImproveU," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (www.improveu.net), use our services, or otherwise interact with us.
By using our website or services, you consent to the data practices described in this policy. If you do not agree with the terms of this policy, please do not access our website or use our services.
2. Information We Collect
Personal Information You Provide
We may collect the following personal information when you enroll in our services, contact us, or use our website:
- Identity Information: Full name, date of birth, Social Security Number (SSN)
- Contact Information: Email address, phone number, mailing address
- Financial Information: Credit reports, credit scores, account numbers related to disputed items
- Payment Information: Credit card or debit card numbers, billing address (processed through secure third-party payment processors)
- Communication Records: Emails, text messages, phone call records, and other correspondence with our team
- Identification Documents: Government-issued ID, utility bills, or other documents needed to verify your identity for credit bureau disputes
Information Collected Automatically
When you visit our website, we may automatically collect:
- IP address and browser type
- Device information and operating system
- Pages visited, time spent on pages, and navigation paths
- Referring website or source
- Cookies and similar tracking technologies (see our Cookie Policy for details)
3. How We Use Your Information
We use the information we collect for the following purposes:
- Credit Repair Services: To analyze your credit reports, identify inaccurate or unverifiable information, prepare and send dispute letters to credit bureaus and creditors, and track the progress of your case
- Communication: To contact you regarding your account, service updates, appointment reminders, and respond to inquiries
- Payment Processing: To process your payments for services rendered
- Service Improvement: To improve our website, services, and client experience
- Legal Compliance: To comply with applicable laws, regulations, and legal processes
- Marketing: To send promotional communications (only with your consent, and you may opt out at any time)
4. Third-Party Sharing
We do not sell your personal information to third parties. We may share your information with the following parties only as necessary to provide our services:
- Credit Bureaus: Equifax, Experian, and TransUnion, as part of the dispute process on your behalf
- Creditors and Furnishers: Companies that have reported information to the credit bureaus, as part of direct creditor disputes
- SmartCredit: Our credit monitoring partner, to access your credit reports and track dispute progress
- Scorexer/Pulse: Our client portal and CRM platform, to manage your account and communications
- Payment Processors: Secure third-party processors that handle payment transactions
- Business Funding Partners: If you opt into business funding services, we may share relevant information with our funding partners
- Legal Authorities: When required by law, subpoena, court order, or government request
5. Data Security
We implement appropriate technical and organizational security measures to protect your personal information, including:
- Encrypted data transmission (SSL/TLS) for all website communications
- Secure storage of sensitive documents and personal information
- Access controls limiting employee access to personal data on a need-to-know basis
- Regular security assessments and updates
- Secure disposal of documents containing personal information
While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.
6. Cookies and Tracking
Our website uses cookies and similar tracking technologies to enhance your browsing experience. For detailed information about the cookies we use and how to manage them, please see our Cookie Policy.
7. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. Specifically:
- Active Clients: Information is retained for the duration of your service agreement
- Former Clients: Records are retained for a minimum of 3 years after service completion, as required by applicable regulations
- Payment Records: Retained for 7 years for tax and accounting purposes
- Marketing Contacts: Retained until you unsubscribe or request deletion
You may request deletion of your personal information at any time, subject to legal retention requirements.
8. California Privacy Rights (CCPA)
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):
- Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you
- Right to Delete: You may request deletion of your personal information, subject to certain exceptions
- Right to Opt-Out: You may opt out of the sale of your personal information (note: we do not sell personal information)
- Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights
To exercise your CCPA rights, please contact us using the information provided below. We will respond to verifiable consumer requests within 45 days.
9. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe we have inadvertently collected information from a minor, please contact us immediately.
10. Your Rights and Choices
You have the following rights regarding your personal information:
- Access and review the personal information we hold about you
- Request correction of inaccurate or incomplete information
- Request deletion of your personal information (subject to legal requirements)
- Opt out of marketing communications at any time
- Withdraw consent for data processing where consent is the legal basis
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the updated policy.
12. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: